:root{--navy:#0f2742;--blue:#1f6feb;--light:#f4f7fb;--text:#1c2733;--muted:#5a6a7b}
*{box-sizing:border-box}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--text);line-height:1.6;background:#fff}
.wrap{max-width:960px;margin:0 auto;padding:0 20px}
header{background:var(--navy);color:#fff}
header .wrap{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:8px;padding-top:14px;padding-bottom:14px}
.logo{font-weight:700;font-size:1.2rem;letter-spacing:.3px}
nav a{color:#cfe0f5;text-decoration:none;margin-left:16px;font-size:.95rem}
nav a:hover,nav a:focus{color:#fff;text-decoration:underline}
.hero{background:linear-gradient(135deg,var(--navy),#1b4a80);color:#fff;padding:64px 0}
.hero h1{font-size:clamp(1.9rem,6vw,3rem);margin:0 0 12px;line-height:1.15}
.hero p{max-width:560px;font-size:1.1rem;color:#dbe8f7;margin:0 0 24px}
.btn{display:inline-block;background:var(--blue);color:#fff;padding:12px 22px;border-radius:8px;text-decoration:none;font-weight:600}
.btn:hover,.btn:focus{background:#1558c0}
section{padding:48px 0}
section.alt{background:var(--light)}
h2{font-size:1.6rem;margin:0 0 20px;color:var(--navy)}
.grid{display:grid;gap:16px;grid-template-columns:1fr}
@media(min-width:700px){.grid{grid-template-columns:repeat(3,1fr)}}
.card{background:#fff;border:1px solid #dde5ee;border-radius:10px;padding:20px}
.card h3{margin:0 0 6px;color:var(--navy)}
.card p{margin:0;color:var(--muted)}
.tbc{background:#fff6d6;border-radius:4px;padding:0 4px}
footer{background:var(--navy);color:#9fb4cc;padding:24px 0;font-size:.9rem}
footer a{color:#cfe0f5}